Maharashtra Aam Aadmi Bima Yojana

The Aam Aadmi Bima Yojana (AABY) is a vital social security initiative launched by the Social Justice & Special Assistance Department, Government of Maharashtra. Targeted at landless rural laborers aged 18 to 59 years, this Centrally Sponsored Scheme offers life insurance, accidental coverage, and scholarships for children. It ensures financial protection for families living below the poverty line or in vulnerable rural conditions.

Short Summary

• Scheme Name: Aam Aadmi Bima Yojana (Maharashtra)
• State: Maharashtra
• Launched/Implemented By: Social Justice & Special Assistance Department
• Target Group: Landless rural laborers (aged 18–59 years)
• Premium: ₹200/year per member (50% paid by State & Centre)
• Mode of Application: Offline through Collector/Tahsildar/Talathi office
• Additional Benefit: Scholarship support for children (Classes 9 to 12)

Benefits

Insurance Benefits

• ₹100/month per child for students in 9th to 12th standard
• Max. 2 children per insured family
• Helps families continue their children’s secondary education

Eligibility Criteria

• Must be a resident of Maharashtra
• Age must be between 18 to 59 years
• Should be a landless labourer residing in a rural area
• Family must not own agricultural land
• Applicant should not be enrolled in any other similar insurance scheme

Exclusions

• Individuals residing in urban areas
• Persons owning agricultural land
• Those already covered under other insurance schemes
• Applicants above 59 years are ineligible

Application Process

Offline Submission Steps

1. Visit the Office of the Collector, Tahsildar, or Talathi (during office hours)

2. Collect the Application Form for Aam Aadmi Bima Yojana

3. Fill in all details, paste a passport-sized photo, and self-attest documents

4. Submit the application to the same office within the specified period (if mentioned)

5. Collect an acknowledgement receipt with date and reference ID

Documents Required

• Proof of Identity (Aadhaar/Voter ID)
• Age Proof (Birth certificate, school record, etc.)
• Address Proof (Ration Card, Electricity Bill)
• Certificate of Landlessness (Issued by competent authority)
• Passport-sized Photographs
• Income Certificate
• Filled & Signed Application Form
• Any additional documents if required by the authority

Frequently Asked Questions (FAQs)

• What is the Aam Aadmi Bima Yojana?
  The Aam Aadmi Bima Yojana is a government-sponsored insurance scheme designed for landless laborers in rural areas, providing financial assistance in the event of natural or accidental death.
• Who is eligible to apply for this scheme?
  The scheme is meant for landless laborers aged between 18 to 59 years residing in rural areas.
• What is the premium amount for the scheme?
  The annual premium is ₹200 per member, with 50% subsidized by both the State and Central Governments.
• What benefits does the scheme provide?
  The scheme offers financial assistance in case of natural death and accidental death, as well as disability benefits and scholarships for children studying in 9th to 12th grades.
• How much financial assistance is provided in case of accidental death?
  In the event of accidental death, ₹75,000 is payable to the nominee.
• Are there any benefits for children under this scheme?
  Yes, a scholarship of ₹100 per month is provided for each child studying in 9th to 12th standards, up to a maximum of two children per family.
• What documents are required to apply for the scheme?
  Required documents include proof of identity, age, address, landlessness certificate, photographs, and an income certificate, among others.
• Where can I obtain the application form?
  The application form can be obtained from the Collector Office, Tahsildar, or Talathi during office hours.
• Is there a specific time frame for submitting the application?
  Yes, applications should be submitted within the prescribed period set by the relevant authorities.
• What happens if I turn 60 years old while enrolled in the scheme?
  Once you reach the age of 60, you will no longer be eligible for the Aam Aadmi Bima Yojana, but you may be eligible for other pension schemes.

Sources and References

• Official Scheme Guidelines